Typically, borrowers must provide title insurance policies to protect the lenders' monetary interests.

.$430,000 (ARV)-$310,000 (Balance could be plus or minus several thousand)-$20,000- Holding Costs (insurance, utilities, PITI, etc) about 6 months...

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After insurance pretty much paid to rebuild the entire house, we sold for 135,000.

I would stay away from the lower mainland for the next few years unless you truly find a deal (or create your own deal by writing letters to home owners and see if anyone is willing to sell at a discount). 

I suppose that you could make some guesses as to what is currently owed by looking at the date and amount of the last mortgage that was placed on the property,  however your best source of information about mortgage value would be this homeowner.  

@Kerven Jean if the property is going theough the foreclosure process, you can use that as leverage as well as the home owner potentially having to file a BK as a result to get them to negotiate.

And then there is replacement cost - just look at your insurance rider.

Often, as a homeowner working on the property you occupy you have more flexibility and can do a home owner permit for almost anything. 

does your total mortgage payment include property taxes and insurance?